Well, in my opinion what separates church and believers is this administration system, where there is You, and there is Church.
And even so You are a member of the Church, it is You, who donate, and it is Them, who decide what to do with what you donate.
Genuinely, donation to the Church meant to be donation to Yourself. And it is You, as well as any other member of the Church, who meant to be in charge of what you, and what other members of the Church donate. It is genuinely Yours.
It is in the human heart to donate to those who are in need. Unfortunately, I am under impression, is that when Church passes around a donation box - it does not nessesarily mean the Church is in need. The church may have more funds than needed, and it will be passing around the donation box.
I have not seen scenarios when Church would say: we have enough for the moment, so that we will not be passing a donation box around today... I have not seen this.